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New Plan For Michigan No-Fault Auto Insurance Reform Will Effect Car Accident Victims

On April 18, 2013 Governor Rick Snyder announced at a press conference the new plan for no-fault auto insurance reform.  The new plan calls for an end to unlimited lifetime medical coverage for victims injured in a Michigan auto accident.  There will now be a cap of $1 million dollars in coverage no matter how catastrophic the injuries are, or the resulting costs of medical treatment and/or lifetime medical treatment a victim may need to receive.

This has been a controversial topic as many believe the reform will in fact lower insurance rates.  However, the fact is Michigan drivers are only guaranteed to save $125 for the first year.  After the first year, there is no promise on savings.  Many should ask themselves is the return worth it? Savings of $125 on your auto insurance for the first year or knowing that if you were catastrophically injured in a Michigan auto accident you would be able to attain unlimited lifetime No-Fault medical benefits. It’s true we cannot predict the future, but the reality is you never know when you are going to be involved in a car accident, and if you end up becoming the victim of a serious accident, and suffer from a traumatic brain injury or spinal cord injury for example, my guess is you would choose the unlimited lifetime benefits, that could be worth millions and millions of dollars versus saving a little over a $100 a year.

In addition to Governor Snyder announcing that insurance rates will lower, Governor Snyder also mentioned that an incentive of this new reform was due to Michigan residents seeing their rates rise. However, according to the National Association of Insurance Commissioners (NAIC), the average Michigan vehicle insurance premium was lower in 2010 than it was in 2003, 2004, and 2005.

The Michigan auto accident attorneys at Buckfire & Buckfire, P.C. recommend anyone interested in learning more about Governor Snyder’s Auto Insurance reform to visit  This article is a great read on how the reform is not the best decision for Michigan residents and the effect it may have on you.  Below we have listed a highlight from the article – this may change your mind if you were for the auto insurance reform.

“Capping benefits at $1 million would affect a small number of people. But those dollars could mean the difference between a lifetime of invalidism and rehabilitation and a return to functionality. Moreover, the data that would justify such changes haven’t been made public. That’s where this needs to start. If the MCCA is unsustainable, if that system truly needs reform, if Snyder’s proposed changes could bring the cost of auto insurance down by more than $10 a month, show us the numbers. Then we’ll talk.”

About Buckfire & Buckfire, P.C.

Buckfire & Buckfire, P.C. is a Michigan personal injury law firm handling all types of accident claims including auto accident lawsuits and no-fault insurance claims.  We have significant experience in these types of cases and have a track record of obtaining the no-fault benefits a victim is entitled to receive after suffering serious injuries in a car accident.  For more information on no-fault benefits and how to file a claim against the insurance company, call our top rated auto accident attorneys now at (800) 606-1717.  We are happy to answer any questions that you may have and will discuss your case with you.